Carter Bank & Trust holds $4.2B in deposits across 38 counties in 8 ranked markets and 2 states. Its deposit footprint is broadly distributed: the top three counties (Franklin County, Guilford County, Henry County) hold 24% of its deposits, and Virginia accounts for 83% of the total. It ranks among the three largest institutions in 13 of the 38 counties where it operates.
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Data as of June 30, 2025 (FDIC Summary of Deposits)
| County | Deposits | County’s % of Bank’s Deposits | Bank’s % of County Deposits | Branches | |
|---|---|---|---|---|---|
| 1. | Franklin County, VA | $390M | 9.2% | 32.5% | 4 |
| 2. | Guilford County, NC | $324M | 7.7% | 2.5% | 3 |
| 3. | Henry County, VA | $321M | 7.6% | 56.7% | 5 |
| 4. | Danville (City) County, VA | $302M | 7.1% | 19.4% | 4 |
| 5. | Martinsville (City) County, VA | $297M | 7.0% | 37.8% | 1 |
| 6. | Halifax County, VA | $177M | 4.2% | 22.0% | 2 |
| 7. | Stafford County, VA | $176M | 4.2% | 12.1% | 3 |
| 8. | Carroll County, VA | $174M | 4.1% | 41.4% | 1 |
| 9. | Pittsylvania County, VA | $149M | 3.5% | 31.0% | 2 |
| 10. | Montgomery County, VA | $138M | 3.3% | 4.6% | 3 |
| 11. | Roanoke County, VA | $132M | 3.1% | 5.1% | 2 |
| 12. | Lynchburg (City) County, VA | $128M | 3.0% | 5.8% | 2 |
| 13. | Galax (City) County, VA | $124M | 2.9% | 28.9% | 1 |
| 14. | Patrick County, VA | $115M | 2.7% | 34.4% | 1 |
| 15. | Mecklenburg County, VA | $105M | 2.5% | 10.8% | 2 |
| 16. | Bedford County, VA | $91M | 2.2% | 5.0% | 2 |
| 17. | Spotsylvania County, VA | $90M | 2.1% | 4.1% | 2 |
| 18. | Rockbridge County, VA | $80M | 1.9% | 24.3% | 1 |
| 19. | Campbell County, VA | $78M | 1.8% | 7.3% | 1 |
| 20. | Iredell County, NC | $78M | 1.8% | 1.7% | 2 |
| 21. | Floyd County, VA | $76M | 1.8% | 24.5% | 1 |
| 22. | Rockingham County, NC | $75M | 1.8% | 5.8% | 2 |
| 23. | Surry County, NC | $67M | 1.6% | 4.4% | 1 |
| 24. | Roanoke (City) County, VA | $64M | 1.5% | 2.1% | 3 |
| 25. | Radford (City) County, VA | $57M | 1.3% | 15.6% | 1 |
| 26. | Wythe County, VA | $49M | 1.2% | 5.6% | 1 |
| 27. | Charlottesville (City) County, VA | $49M | 1.2% | 1.9% | 2 |
| 28. | Grayson County, VA | $47M | 1.1% | 24.2% | 1 |
| 29. | Mecklenburg County, NC | $46M | 1.1% | 0.0% | 1 |
| 30. | Pulaski County, VA | $35M | 0.8% | 6.5% | 1 |
| 31. | Amherst County, VA | $35M | 0.8% | 6.4% | 1 |
| 32. | Wake County, NC | $32M | 0.8% | 0.0% | 1 |
| 33. | Person County, NC | $32M | 0.7% | 4.7% | 1 |
| 34. | Salem (City) County, VA | $24M | 0.6% | 2.3% | 1 |
| 35. | Vance County, NC | $23M | 0.5% | 5.1% | 1 |
| 36. | Forsyth County, NC | $21M | 0.5% | 0.2% | 2 |
| 37. | Albemarle County, VA | $16M | 0.4% | 0.6% | 1 |
| 38. | Franklin County, NC | $13M | 0.3% | 2.3% | 1 |
Deposits are as reported to the FDIC at branch level, June 30, 2025, and are nominal. “County’s % of Bank’s Deposits” is this county’s share of the institution’s total deposits; “Bank’s % of County Deposits” is this institution’s deposits as a percent of all deposits booked in that county. Counties within a Combined or Metropolitan Statistical Area link to their full profile; other counties are shown for completeness.
All 293 markets and the 1,533 counties within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates.